人丑嘴不甜长的磕碜又没钱
[rén chŏu zuĭ bù tián zhăng de kē chĕn yòu méi qián]
'Ugly appearance, unable to speak sweet words, unappealing looks and lack of money' - it describes someone who sees themselves lacking in both physical attractiveness and charm, also admitting financial insufficiency as part of self-denial or deprecation humor. A candid self-mockery highlighting social insecurities in modern culture.